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    Uttarakhand Gramin Bank Kisan Credit Card

    Credit Card BYTES FROM OUR KITCHEN

    Uttarakhand Gramin Bank Kisan Credit Card Scheme Overview:

    Uttarakhand Gramin Bank gives a lot of importance to the agriculture sector and they have branches providing banking solutions for all agriculture and allied activities. Through their Kisan Credit Card, the bank aims to provide financial support to the farmers for their farming and non- farming requirements.

    Features and Benefits of Uttarakhand Gramin Bank Kisan Credit Card Scheme:

    • Loan Amount – The loan amount is decided based on the crop type, holding of operational land, area under cultivation and finance scale. The crop loan is assessed based on the finance scale of the crop plus the insurance premium, which is multiplied by the part of area that has been cultivated. To this, 10 percent of the limit for household or post – harvest or consumption requirements and 20 percent of the limit for farm assets maintenance expense is added.
    • Validity – The Kisan Credit Card issued by Uttarakhand Gramin Bank is valid for a period of 5 years
    • Margin – There is no extra margin for crop loans as it is already a part of the finance scale
    • Interest Subvention – On this card, the incentives or interest subvention for quick repayments are available according to the standards of the Government of India or the State Government
    • Processing Fee – The bank does not charge any processing fee, if the loan limit is up to Rs.3, 00, 000
    • Documentation – The farmers have to go through the documentation process only once to avail the card. After this, they have to provide information about the crops grown or proposed by them through a declaration
    • Instead of opening two separate accounts for Kisan Credit Card and SB, the farmers can open a KCC cum SB account. The interest rate will be applied as per the rates specified for the Savings Bank account.
    • The farmers cannot have unpaid withdrawals in their account for more than 1 year and they should not allow the debit balance of their account to be ‘nil’

    Features and Benefits of Uttarakhand Gramin Bank Kisan Credit Card Scheme:

    Farmers who have an operational land or are sharecroppers or tenant farmers are eligible for Uttarakhand Gramin Bank Kisan Credit Card.

    Other Agricultural Products / Schemes offered by Uttarakhand Gramin Bank:

    • Agriculture Term Loan
    • Women Credit Card
    • Credit for Joint Liability Group (JLG)
    • Credit for Self Help Group (SHG)

    Uttarakhand Gramin Bank Kisan Credit Card FAQs:

    1. How to obtain the application forms for Uttarakhand Gramin Bank Kisan Credit Card?

      You can obtain the application forms for Uttarakhand Gramin Bank Kisan Credit Card from the website of the bank. You have to open the website and scroll down on the homepage. Locate the ‘Downloads’ option and click on it. On clicking, you will be directed to another page where you will find the option for downloading the application form for KCC.

    2. Who to contact to get more details about Uttarakhand Gramin Bank Kisan Credit Card?

      A person can contact any branch of the bank to get more details about Uttarakhand Gramin Bank Kisan Credit Card.

    3. Can sharecroppers apply for Uttarakhand Gramin Bank Kisan Credit Card?

      Yes, sharecroppers can apply for Uttarakhand Gramin Bank Kisan Credit Card.

    4. For how long is the Uttarakhand Gramin Bank Kisan Credit Card valid?

      The Uttarakhand Gramin Bank Kisan Credit Card is valid for a period of 5 years.

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